Mortgages made simple- if you’re a first-time buyer, this one’s for you! In this special compilation episode we’re bringing together the most valuable mortgage and interest rate guidance from recent conversations with Phil Spencer and Skipton’s experts from our First Home Focus channel. This is a dedicated channel, in association with Skipton Building Society, where we share tips for navigating buying your first property.

If you’re trying to make sense of rising rates, fixed vs tracker deals, or how much you can realistically borrow, this episode cuts through the jargon and explains what actually matters.

Whether you’re saving for a deposit or ready to speak to a lender, this is essential listening to help you move forward with clarity and confidence!

Let us know in the comments: what do you find most confusing about mortgages right now?

Make sure to subscribe to the First Home Focus channel so you don’t miss future episodes!

👉 VIDEO TIMESTAMPS 

Chapters

• 00:00 Introduction
• 00:45 How are interest rates calculated?
• 01:43 Mortgage In Principle
• 03:19 What criteria do lenders take into consideration?
• 04:53 Fixed vs Variable Rates- How to Decide
• 07:40 How to secure the best rate
• 09:07 Where to get mortgage advice

Liked this video? We have more episodes on remortgaging as well as other first-time buyer guidance on the channel.

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